If you are unsure whether a complaint you have is legitimate, feel daunted
about writing a letter, or want more advice about taking a case to the
ombudsman, there is a wealth of information online.

It is possible to download template "complaint" letters which can be tailored to suit your needs. A number of template letters are available on the Telegraph's website at www.telegraph.co.uk/consumertips. See also our other stories on this subject under "related links" (left).

Be wary of hiring professional "claims handlers". Many may cold-call you asking if you have been mis-sold insurance, for example, and may have impressive statistics showing the number of cases they win. Most work on a "no win, no fee" basis, but if they do secure compensation, they will take a sizeable slug.

Don't ever pay an upfront fee to have a company like this represent you.